Winning with Property Blog


LENDING

Mortgage broking 101

Couple holding their approved letter for their first home property

How to Read Your Pre-approval Letter

30 MAY 2020 | IN LENDING 

A bank pre-approval letter is usually about 3 pages of confusing bank jargon.

 

But don’t let it intimidate you. Everything you need to know is in only a few key areas. 


A guy thinking if it’s good to invest in a bank

Jeff's Two Cents: Reserve Bank LVR Update Doesn't Change Much

14 MAY 2020 | IN LENDING | JEFF ELIAS, FOUNDER/SPECIALIST FINANCIAL ADVISER

Will the recent relaxing of the Reserve Bank's LVR rules open up the market and make home buying easier?

We don’t think so. Not until the banks and the Reserve Bank get on the same page.

 

Here are two reasons why...


Happy couple working at their home

How To Cut 20 Years Off of a Mortgage Without Increasing Your Regular Repayments

08 MAY 2020 | IN LENDING 

Most Kiwis know this simple fact: paying less interest to the bank means more money in your pocket. Almost no one uses the strategies available to pay off a mortgage the FASTEST way possible.


How to avoid break fees

Jeff's Two Cents: How To Avoid Break Fees

31 JULY 2020 | IN LENDING | JEFF ELIAS, FOUNDER/SPECIALIST FINANCIAL ADVISER

Banks are pretty clever. They’re aware that the rates have dropped a lot recently and therefore a lot of people will be wanting to try and secure these lower rates for themselves.

 

So to stop massive numbers of people suddenly jumping to a lower interest rate (meaning the bank loses money), they invented ‘break fees.’


Usable Equity Calculator

How To Calculate Usable Equity

08 APRIL 2020 | IN LENDING 

Investment properties as part of your retirement plan is a win for many families. It can be the difference between squeezing simple pleasures into your budget week to week and exploring the world once you are retired....


Jeff Elias holding small and big stone to compare the pros and cons of a 10% first home deposit

5 Pros and Cons of a 10% First Home Deposit

SEPTEMBER 2019 | IN LENDING | JEFF ELIAS, FOUNDER/SPECIALIST FINANCIAL ADVISER

Did you know there are 5 cons to buying a first home with a 10% deposit, and there are 5 pros? Keep reading to find out all 5....


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RECENT POST

  • Jeff's Two Cents: Reserve Bank LVR Update Doesn't Change Much

    14 MAY 2020

  • How To Cut 20 Years Off of a Mortgage Without Increasing Regular Repayments

    08 MAY 2020

  • How To Calculate Usable Equity

    08 APRIL 2020

  • 5 Pros and Cons of a 10% First Home Deposit

    SEPTEMBER 2019

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How Much Can I Borrow?

A man using his laptop to check if how much can he borrow for a mortgage